Did You Know That Health Insurance
Preventive care. Deductibles. Flexible spending accounts. Even if you lot're fit every bit a fiddle, knowing your health care terms can salvage you lot money. So how much do yous know about health care? Take our quiz and find out.
1. A copay is…
A. Someone who agrees to help you pay your medical bills.
B. The maximum doctor visits you're allowed each yr.
C. A set dollar amount you pay for certain medical visits and services.
2. Vision insurance…
A. Vision insurance helps cover prescription lenses (eyeglass lenses or contact lenses) and frames. Some plans may also comprehend or provide discounts for routine vision exams.
B. Sends you new prescription glasses every month by mail service.
C. Primarily covers treatment for middle diseases, such as glaucoma and cataracts.
A. Vision insurance helps encompass prescription lenses (eyeglass lenses or contact lenses) and frames. Some plans may also cover or provide discounts for routine vision exams.
Routine vision exams likewise as treatment for eye diseases, such as glaucoma and cataracts, are usually covered by your medical plan. Vision care is often offered as a split insurance plan.
Find out why you need a regular eye examination.
three. HMO stands for…
A. Holistic Medical Organization, a clinic where y'all tin receive alternative therapies.
B. Health Maintenance Organization, a health program that generally requires you to get your care from providers who are in the HMO network. You may as well need to select a chief care doc and obtain a referral before you see a specialist.
C. Health Management Pick, a savings account that you tin can only use for health intendance costs
B. HMO stands for Health Maintenance System, a health plan that mostly requires you to get your intendance from providers who are in the HMO network. Yous may too demand to select a primary intendance physician and obtain a referral earlier you run across a specialist
HMO plans oft require you to designate a primary intendance dr. who will provide a referral if y'all need a specialist.
Learn more about HMOs and other types of wellness plans.
4. An annual flu shot is recommended for…
A. Pregnant women, adults over 65 and anyone with a compromised immune system.
B. Adults in practiced wellness.
C. Both A and B.
C. Both A and B. An annual flu shot is recommended for everyone, including significant women, adults over 65, anyone with a compromised immune system, children over 6 months and adults in expert health.
The flu hospitalizes 200,000 Americans annually. Many health insurers, including Aetna, offer the flu shot at no price to members. Call your plan provider or primary care physician to learn more.
Find out more about the flu shot can assistance you stay healthy.
5. Open enrollment refers to…
A. The fourth dimension menstruum when yous can enroll in a health plan.
B. The right to enroll in a health care program whenever you lot want.
C. A health program that allows you to go to whatever md y'all choose.
A. Open up enrollment refers to the time period when you can enroll in a health plan.
Private employers oftentimes have enrollment periods that last from two to four weeks.
6. You should visit an urgent intendance centre…
A. When you demand a routine eye exam and tin't go an appointment with your regular doc.
B. If y'all're experiencing not-life-threatening symptoms, such as a sprain, a cut that requires stitches or a rash.
C. Merely for serious symptoms like sudden breast hurting.
B. Y'all should visit an urgent care center if yous're experiencing non-life threatening symptoms, such equally a sprain, a cut that requires stitches or a rash.
Most insurance plans treat visits to urgent care centers like a trip to a specialist, charging a flat fee for treatment. Urgent care can offer prompt medical care later hours and on weekends.
Find out more about when y'all should use urgent care versus visit the emergency room.
7. A referral is…
A. A recommendation from a friend for a detail doctor.
B. Permission given past your employer's benefits section to sign up for a health plan.
C. A written or electronic record from your primary intendance physician allowing you to visit a specialist or health care facility.
C. A referral is a written or electronic record from your primary intendance doctor assuasive yous to visit a specialist or wellness intendance facility.
HMOs and EPOs ofttimes require referrals before yous can see a specialist.
8. An insurance premium is…
A. A perk yous receive through your health insurance, such as a gym reimbursement or 24/seven nurse hotline.
B. The annual window of fourth dimension when you can make changes to your insurance.
C. The monthly price of insurance coverage.
nine. A high-deductible health programme (HDHP) features…
A. The highest rating given by insurance regulators.
B. Lower premiums merely college upfront out of pocket costs when you use the plan.
C. College premiums but lower upfront out of pocket costs when yous utilize the plan.
B. Lower premiums but higher upfront out of pocket costs when you use the plan.
An HDHP might exist correct for you if yous're relatively healthy and don't await to employ many health care services over the next twelvemonth. However, if you lot do feel a health problem, y'all'll pay out-of-pocket for care and may non meet your deductible until late in the year, if at all.
Read more than near how HDHPs compare to other plans.
10. You tin change your health insurance plan…
A. Anytime you want.
B. During open enrollment or after a qualifying life event, such as a job change, wedlock or new baby.
C. If your doctor stops taking your insurance plan.
B. You can modify your health insurance program during open enrollment or after a qualifying life effect, such every bit job modify, marriage or new baby.
Qualifying life events trigger a "special enrollment period" that typically lasts thirty to sixty days, during which you can select a new programme or add a dependent.
Learn more than about qualifying life events.
11. Your health insurance program can offer surprising perks, simply not…
A. Reimbursements for fitness memberships and yoga classes.
B. Complimentary groceries delivered to your home.
C. Online finance tools to help you lot budget for medical services.
12. A deductible is...
A. The amount yous pay for covered health intendance expenses before insurance kicks in.
B. The coin deducted from your paycheck to pay for your insurance program.
C. The coin your wellness intendance plan pays you when you have an accident.
xiii. Coinsurance is…
A. A secondary insurance plan.
B. Additional persons added to your insurance plan, such as a spouse or kid.
C. The percent of covered health care expenses you pay after you meet your deductible..
C..Coinsurance is the percentageof covered wellness care expenses you pay after y'all come across your deductible.
Coinsurance is a form of cost-sharing between you and the insurance company. It can utilize to office visits, procedures and prescriptions. In general, plans with lower monthly premiums have higher coinsurance.
Find out more than near coinsurance and other insurance payment terms.
14. The principal difference between a health savings account (HSA) and a flexible spending business relationship (FSA) is…
A. HSAs allow you to roll over funds year after year, while the money left in an FSA at year's end is mostly lost.
B. HSAs have annual contribution limits, but FSAs have no limits.
C. FSA holders can't spend more than what's already been deducted from their paycheck.
A. The main divergence betwixt a health savings account (HSA) and a flexible spending business relationship (FSA) is that HSAs let y'all to ringlet over funds twelvemonth later yr, while the money left in an FSA at year'due south terminate is more often than not lost.
Both HSAs and FSAs allow you to contribute pre-tax dollars to embrace future medical expenses and accept annual contribution limits. HSAs are often paired with loftier-deductible health plans (HDHP).
Find out more about HSAs versus FSAs.
15. An out-of-pocket maximum is…
A. The highest dollar amount you may pay out-of-pocket for covered medical services, unremarkably per year.
B. The total of all the medical costs you lot've paid during your lifetime.
C. The amount of money you're charged for a visit to the emergency room.
A. An out-of-pocket maximum is the highest dollar amount you lot may pay for covered medical services, usually per year.
Your insurance programme sets a dollar amount for your out-of-pocket maximum, which includes your deductible, copayments and coinsurance. Once you achieve it, your wellness plan pays 100% of the cost of covered benefits.
How did you do?
13-15 right: Congrats, yous're a wellness insurance rock star. When open enrollment comes around, you're the one friends go to for advice.
10-12 right: Great job! You have a adept handle on how health insurance works. And y'all have no problem navigating your choices to become the all-time value.
7-nine correct: You lot know the basics and then some. Soon yous'll feel more confident about finding the right plan.
4-6 correct: You're getting there. Brush up on some health care topics , and so effort the quiz over again.
1-3 correct: You're starting to larn key health insurance terms. Luckily, you're in the right place to learn a whole lot more.
Virtually the writer
Christina Joseph Robinson is a veteran editor and author from New Jersey who yet loves to read the one-time-fashioned newspaper. She'south raising two fruit-and-veggie loving daughters to remainder all the treats Grandma sends their way. Christina's wellness goal is to resume her conditioning routine later on being sidelined by injuries.
Source: https://www.aetna.com/health-guide/health-care-knowledge-quiz.html
0 Response to "Did You Know That Health Insurance"
Post a Comment